Safeguarding Your Accounts

The trust of our customers and potential customers is our most valuable asset. This trust is built, in part, upon the proper handling of your personal information. Protecting your privacy is important to Community State Bank of Orbisonia and our employees. We take extra precautions to protect you and any transactions you perform through any of our services we provide.

 

Fraud Protection 

Debit Card Transaction Monitoring

Community State Bank of Orbisonia has partnered with Fiserv to provide 24/7 Fraud Monitoring for all Community State Bank of Orbisonia Debit Mastercards.

Learn More About Fraud Monitoring

Bill Payment Fraud

Community State Bank of Orbisonia has partnered with FraudNet to provide bill pay fraud services 24/7. This feature monitors your bill pay transactions to help protect against potential fraud. If potential fraud does occur, FraudNet will freeze your Online Bill Pay and attempt to contact you; however, if FraudNet cannot reach you they will alert CSB. FraudNet will perform an investigation on the potential fraud case, if the transaction(s) are determined to be fraud they will be rejected.

Online Security

Mastercard Secure Code

Mastercard SecureCode is a simple and secure way to pay at thousands of online stores. A private code known only to you and your bank, your SecureCode enhances your existing Community State Bank of Orbisonia Debit Mastercard account by protecting you against unauthorized use of your card when shopping online at participating online retailers.

Learn More About Mastercard Secure Code, and How to Sign Up.

Secure Socket Layer(SSL)

All information within Online Banking uses the SSL (Secure Socket Layer) protocol for transferring data. SSL is encryption that creates a secure environment for the information being transferred between your browser and Community State Bank of Orbisonia.
At a high level, SSL uses public key cryptography to secure transmissions over the Internet. In practice, your browser will send a message via SSL to the bank's server. The bank responds by sending a certificate, which contains the bank's public key. Your browser authenticates the certificate (agrees that the server is in fact Community State Bank of Orbisonia), then generates a random session key which is used to encrypt data traveling between your browser and the bank's server. This session key is encrypted using the bank's public key and sent back to the server. The bank decrypts this message using its private key, and then uses the session key for the remainder of the communication.
Secure Socket Layer (SSL) protects data in three key ways:

  • Authentication ensures that you are communicating with the correct server. This prevents another computer from impersonating Community State Bank of Orbisonia.
  • Encryption scrambles transferred data.
  • Data integrity verifies that the information sent by you to Community State Bank of Orbisonia wasn't altered during the transfer. The system detects if data was added or deleted after you sent the message. If any tampering has occurred, the connection is dropped.

Multi-Factor Authentication

Introducing Enhanced Online Banking Security

Community State Bank of Orbisonia is proud to deliver the highest level of security for our Internet Banking customers. We're adding an additional layer of security to our log in process called Enhanced Online Security. This helps ensure that your information is secure, protecting you from fraud and identity theft. Enhanced Online Security verifies your identity in two ways. Every time you log in to Internet Banking the bank identifies you, and it lets you identify the bank using a private image and pass phrase.

Visit our Online Education Center to Learn More

Identity Theft Protection

Here at Community State Bank of Orbisonia, we are constantly striving to provide the best protection for the customers we serve. Follow the link below to a comprehensive guide to help you in protecting yourself from Identity Theft and Fraud. The guide will also help you if you feel you have been maliciously victimized.

Learn How to Protect Yourself from Identity Theft

CREDIT BUREAU DISPUTES

How to dispute credit information being sent to the credit bureaus on your Community State Bank Accounts. 

Learn More About Credit Bureau Disputes